SAN ANGELO, TEXAS -- I have had the hardest time making payments. Over the past 3 months I have had every payment rejected despite having the funds to do so. I would make the payments and when balancing my check book I would notice the funds still in my account. I went to check my Care Credit account to see if my payment had processed and it showed rejected.
I emailed customer support and was told I entered my bank info incorrectly. I re-entered my bank info and double checked and re submitted my payment. Again! It rejected it and to make it worse my credit took a hit. I emailed them again and was told my bank info was incorrect. I assured them it was correct and I better have my account credited and my a reduction on my credit. Now I will say this, they credited my account and removed the derogatory mark from my credit report. I just submitted another payment and again! the same process. I know for a fact I entered the correct information and checked it 3 times over. Proceed with caution when dealing with this company.
PHILADELPHIA, PENNSYLVANIA -- Never helpful when dealing with these Reps. I called months ago asking if I could make my payments on the 26th of each month instead of the 25th which they said yes but yet I still get charged a late fee because they never changed the date. So I call because I made my payment on the 26th again as I have been the last 2yrs. When I call the representative tells me, “Oh sorry you gotta pay because whoever you spoke to prior didn't put it in their notes.” So how is that my fault. I use my Care Credit a lot but will be canceling mine's and my parent's cards because they are the worst and the customer service is horrible.
LOS ANGELES, CALIFORNIA -- I lost my healthcare PPO plan with my doctors I liked thanks to Obamacare. Now I have nothing. So I applied for CareCredit for emergency if I need dentist or my annual mammogram. I have had the card one year. I was approved for 1,000. I never used the card as I didn't have to.
Then out of the blue I get a letter that my account “HAS BEEN CLOSED DUE TO LACK OF ACTIVITY“. When I called to ask customer service Why -where was this in the agreement terms she put me on hold a long time then announced that it's IN the terms. I said what is the EXACT wording. “Synchrony Bank reserves the right to close the account due to inactivity”. But it doesn't say HOW LONG THAT PERIOD IS - eg. 12 mos? 2 yrs? 6 mos?
Of COURSE I would have bought a prescription or something to keep it open rather than have to reapply. So basically you're punished and it HURTS your credit rating that they out of the blue kill your account. Now with more damaged credit score good luck being re-upped. But after reading all the scammy Mc scam in these other entries I feel like it's been done me a favor to not reapply.
What a shady outfit. Banks suck in general as they are the greediest and most dishonest business. Period. But this is THE ONLY CREDIT CARD that can be used just for medical so it should be a lifesaver backup. NOPE! And I have a paralegal degree so I can read a contract thank you. My request to speak with the legal dept was DENIED. You will not get beyond their cubicle human bots who read only the script and Will NOT help you.
I am appalled at the rudeness of the customer service agents. Two of the people I spoke with yesterday, asking for help regarding my account, were not only less than helpful but were actually very mean. This is not the first time the customer service reps have been rude. After being kept on hold for 32 minutes, one of them -- a manager, no less -- told me she could not wait longer than two minutes for me to get my husband on the phone to confirm that I was allowed to access our account. When I refuted this, she said, "Actually, I am under no obligation to wait at all for you" and then hung up on me! WHAATT?
This same person also argued for a good 5 minutes that the customer service phone line is available 24/7 but on the Synchrony site it says M-F 9-5. More than just the way they treat their customers on the phone, the company is sneaky in their practices. Some providers will offer promotional purchases -- like 6 months no interest. However, some don't or will only offer it for purchases over a certain amount.
If you have both promos and regular charges on your account, CareCredit will apply your payment to the promo (no interest) first unless you call and tell them to apply it to the high interest (23.9%) purchases first. So it is VERY easy to get huge interest charges building up very quickly, without being aware. It is a deceptive, awful company. I do not recommend them at all.
ORLANDO, FLORIDA -- I just found out the by diligently paying off a monthly minimum balance without using my card my credit card balance started rising. I called the customer service agent and asked them why my balance had increased by $186 between last month and this month without any purchase. They said, "That is the interest you are earning." This card increases the interest so that YOU CAN NEVER PAY OFF THE BALANCE ON THE CARD. I recommend all customer complain about the 0% credit card that if you get behind starts adding money to your card and you can never pay off the card.
Every time I use their service it's horrible. They are always charging my saving account instead of my checking out. Plus I changed it to correct it. I made sure I check the number. They still charged my account. I will never use the online payment again. I will always make sure I have my bank info and pay over the phone. The staff always screws up your payment and they will not refund your 30 dollars for their mistake. So I'm putting them on blast. Always call in for your payments.
ORLANDO, OKLAHOMA -- Did use card for vet. But today I paid off total amount on account because they had charged me $117.48 on interest. Called customer service and was told I had not paid off a promotional balance of $119.00. Payment is always early and above the minimum payment, never. Was told to pay this amount of $119.00 to keep from being charged this inflated amount on interest. Will never use this card again.
OREGON -- I notified Care Credit via email a week before my payment was due that I would be a day late. My social security check is deposited the second Wednesday of every month. I received nothing but a run around via email. I made my payment through Care Credit website on the day promised. I did an online chat. The representative refused to remove my late fee of $27 because the same thing happened less than a year ago. This company tries to squeeze every last dime out of senior citizens. Run the other way. Don't use this card.
DALLAS, TEXAS -- First off - worst customer service ever. Interest DESTROYS you!! It's a scam. If you take too long to pay it off, they bury you with insane interest fees. One minute you have $350 in available credit. The next you have $50. And you haven't made a purchase since! They won't work with you even if you call and ask... It's either close the account or get **. I would NOT advise anyone to open one of these accounts!! They are outright THIEVES!
ORLANDO, FLORIDA -- Other reviews for this bank have been less than good. However, my wife talked to someone named Tara, and not only was Tara respectful and helpful, she helped my wife get things settled to everyone's satisfaction. I will never deal with them again because in today's market a 27% interest rate should be illegal. It rates right up there with payday loans.